The problem
Your customers are paying bills across a dozen different sites — none of it happening inside your app.
Pay Now captures every bill pay moment inside your app—eliminating repeated logins, manual due date tracking, and one-off payments.
They're tracking due dates, logging into multiple sites, and paying bills one at a time—all outside your app.
That's a high-frequency engagement moment you're not capturing.
A smarter way to track and pay
Centralize bills in one view
Give your customers a single place to see every upcoming bill — what's due, when, and how much — so they stay on top of payments without bouncing between merchant sites.
Surface the right time to pay
Atomic analyzes your customers' cash flow and upcoming due dates to suggest the optimal time to make each payment — giving them control and confidence.
Store credentials, eliminate friction
When a customer connects to a biller for the first time, their login is stored securely in an encrypted keychain. Every future payment skips the login screen entirely.
Pay directly at the merchant
Atomic deep-links customers directly to the payment page on the merchant's site, with your card or account pre-selected as the default payment method. One tap, and the bill gets paid.
Built to benefit your institution
Replace legacy bill pay
Traditional bill pay products are costly to run and confusing to use. Pay Now moves your customers to a direct-to-merchant model that's simpler for them — and more efficient for you.
Capture every bill pay moment
Every time a customer pays a bill through your app, that's an engagement moment you own — not a competitor. With 59% of consumers managing bills manually, the opportunity is massive.
Sync payments back to your platform
Once a payment is made, Atomic confirms and syncs it back to your app — so your customers can see it processing in real time, without switching contexts.
How it works
From bill detection to payment confirmation, the entire flow happens inside your app.
Identify
Your customer adds a bill — either surfaced automatically through Recurring Transaction Detection or entered manually.
Connect
On first login to the merchant, credentials are encrypted and stored securely in a keychain within your app. No repeated logins.
Pay
Atomic deep-links directly to the merchant's payment page, with the customer's preferred card or account pre-selected. The customer confirms and pays.
Sync
Payment confirmation is sent back to your platform so the transaction appears as processing in your app immediately.